Advertisement
The Moody National Bank
Galveston, TX · FDIC Certificate #3210 · Chartered 01/0
Total assets
$1.54B
Total deposits
$1.31B
Total equity
$221.68M
Net loans
$1.12B
Branches (offices)
14
Net income (YTD)
$7.39M
Rank: #731 of 4,213 U.S. banks by assets · #63 of 346 in Texas. Assets changed -5.4% and deposits -6.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 6.77% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 14.36% |
| Tier 1 leverage ratio | 15.87% |
| Uninsured deposits (share of deposits) | 45.3% |
| Noncurrent loans (share of loans) | 1.03% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 89.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.00B | 89.4% | |
| Commercial & industrial | $132.14M | 11.8% | |
| Consumer / individual | $5.69M | 0.5% | |
| Construction & development | $91.74M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.45B | $10.56M | $164.44M |
| Jun 2023 | $1.69B | $1.44B | $10.01M | $185.12M |
| Jun 2024 | $1.68B | $1.40B | $5.64M | $202.37M |
| Jun 2025 | $1.63B | $1.41B | $8.08M | $190.90M |
| Jun 2026 | $1.54B | $1.31B | $7.39M | $221.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.31B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.31B.
Similar-sized banks
First Bank Midwest ($1.55B) · Security Federal Bank ($1.54B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement